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Upturn AI SWOT - About
ONB 
Old National Bancorp (ONB)
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Upturn Advisory Summary
08/28/2025: ONB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $26.27
1 Year Target Price $26.27
| 5 | Strong Buy |
| 3 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.94% | Avg. Invested days 25 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 8.97B USD | Price to earnings Ratio 13.62 | 1Y Target Price 26.27 |
Price to earnings Ratio 13.62 | 1Y Target Price 26.27 | ||
Volume (30-day avg) 11 | Beta 0.85 | 52 Weeks Range 16.72 - 24.17 | Updated Date 08/29/2025 |
52 Weeks Range 16.72 - 24.17 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.46% | Basic EPS (TTM) 1.68 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 29.98% | Operating Margin (TTM) 35.3% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 8% |
Valuation
Trailing PE 13.62 | Forward PE 10.79 | Enterprise Value 15038799872 | Price to Sales(TTM) 4.74 |
Enterprise Value 15038799872 | Price to Sales(TTM) 4.74 | ||
Enterprise Value to Revenue 7.54 | Enterprise Value to EBITDA - | Shares Outstanding 391855008 | Shares Floating 388559499 |
Shares Outstanding 391855008 | Shares Floating 388559499 | ||
Percent Insiders 11.67 | Percent Institutions 94.01 |
Upturn AI SWOT
Old National Bancorp
Company Overview
History and Background
Old National Bancorp was founded in 1834 as the Evansville National Bank in Evansville, Indiana. It has grown through acquisitions and organic expansion to become one of the largest bank holding companies in the Midwest.
Core Business Areas
- Commercial Banking: Provides a wide array of lending and depository products and services to small and middle market businesses, as well as commercial real estate financing.
- Retail Banking: Offers a full range of consumer banking services including checking, savings, mortgage lending, and wealth management.
- Wealth Management: Provides financial planning, investment management, trust, and estate services to individuals, families, and institutions.
Leadership and Structure
The leadership team includes the CEO, CFO, COO, and heads of various business segments. The organizational structure is a typical bank holding company model with regional and functional divisions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes. Market share is regional, competing with other regional and national banks. Competitors include US Bancorp, Fifth Third Bancorp, and Huntington Bancshares. Data is only available on a regional level. Not available at the national level.
- Mortgage Loans: Residential mortgage lending services. Market share is regionally concentrated, competing with mortgage lenders and banks. Competitors include Rocket Mortgage, United Wholesale Mortgage (UWM), and large national banks. Data is only available on a regional level. Not available at the national level.
- Wealth Management: Provides financial planning, investment management, trust, and estate services to individuals, families, and institutions. Competitors include Fidelity, Schwab, and other regional wealth managers. Data is only available on a regional level. Not available at the national level.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, inflation, and increased competition from fintech companies. Consolidation is also a significant trend.
Positioning
Old National Bancorp positions itself as a relationship-focused regional bank with a strong commitment to community involvement. Its competitive advantages include its local market expertise and customer service.
Total Addressable Market (TAM)
The TAM for regional banking in the Midwest is estimated to be in the billions of dollars. Old National Bancorp holds a moderate position in the market, seeking to expand its share through organic growth and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Relationship-focused banking model
- Experienced management team
- Diversified revenue streams
Weaknesses
- Limited national presence
- Exposure to regional economic downturns
- Dependence on interest rate environment
- High operating costs
Opportunities
- Acquisitions of smaller banks
- Expansion into new geographic markets
- Increased demand for wealth management services
- Adoption of new technologies
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic recession
- Regulatory changes
Competitors and Market Share
Key Competitors
- USB
- FITB
- HBAN
Competitive Landscape
Old National Bancorp competes with both large national banks and smaller regional banks. Its advantages include its local market knowledge and customer relationships. Disadvantages include its smaller size and limited geographic reach compared to national players.
Major Acquisitions
First Midwest Bancorp
- Year: 2022
- Acquisition Price (USD millions): 2500
- Strategic Rationale: Expanded ONB's footprint in the Midwest and increased its scale.
Growth Trajectory and Initiatives
Historical Growth: Not available
Future Projections: Not available
Recent Initiatives: Not available
Summary
Old National Bancorp is a regional bank with a solid presence in the Midwest. The bank benefits from its relationship-focused approach and local market expertise. However, it faces challenges from larger competitors and the evolving financial landscape. The acquisition of First Midwest Bancorp was a positive step to increase scale.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is estimated and may vary. Not all financial data was readily available and will need to be gathered over time.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Old National Bancorp
Exchange NASDAQ | Headquaters Evansville, IN, United States | ||
IPO Launch date 1990-03-26 | CEO & Chairman Mr. James C. Ryan III | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 5313 | Website https://www.oldnational.com |
Full time employees 5313 | Website https://www.oldnational.com | ||
Old National Bancorp operates as the bank holding company for Old National Bank that provides consumer and commercial banking services in the United States. It accepts deposit accounts, such as noninterest-bearing demand, interest-bearing checking and negotiable order of withdrawal, savings and money market, and time deposits. The company also offers loans, including home equity lines of credit, residential real estate loans, and consumer loans, as well as loans to commercial clients comprising commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. In addition, it provides debit and automated teller machine cards, telephone access and online banking, and other electronic and mobile banking services. Further, the company offers private banking, wealth management, trust, investment advisory, brokerage, and foreign currency services; treasury management, merchant, and capital markets services for businesses; and community development lending and equity investment solutions. Old National Bancorp was founded in 1834 and is headquartered in Evansville, Indiana.
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